If they saved you 30k, then you made 10x on your investment.

With a duplex this is all one and then gets segregated in the home

Personally, for SF rentals, I boosted each property's liability coverage to $500K and then had a $2M umbrella policy. 

Then we stayed in our fixer-upper, used HELOC to buy investment property cash, then get a cash-out mortgage and pay back HELOC once rented out with rental history to qualify, and do it again.

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

Then you can read a more in-depth book like The Book On Rental Property Investing by Brandon Turner or The Unofficial Guide to Real Estate Investing by Spencer Strauss.2.

Then there are people who are paid for 40 but actually have 2 or more w2s working from home.  

If they put up any sort of resistance, that could be a cue to start digging a little deeper and documenting a bit more thoroughly (hence the doorbell camera coverage tip I put first - installing the cameras right away and then having the new lease conversation with the tenants afterward is very easy to frame as "I'm just a new owner putting some TLC into the property and doing my due diligence on the leases/tenants"; talking to your residents first, finding out they have extra people living there who aren't on the lease, and then installing cameras around the property could set you up for a very adversarial relationship with your inherited tenants). 

Could we get away with running the 100 grit once and then finish?

@Manuel A Zuaznabarunderstand it's expensive / high barrier of entry but the midwest comes with issues tooi think it's worth itwhat you don't want to do is buy a random property that looks great and then start sinking tens of thousands into itlike these folkshttps://www.biggerpockets.com/forums/963/topics/1195280-expe...https://www.biggerpockets.com/forums/48/topics/1160450-run-i...